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Best Credit Card Welcome Offers Promotion in Hong Kong

Find the best deals from credit cards with amazing welcome gifts in Hong Kong. Enjoy all kinds of credit card offers, from travel, dining to shopping! Read More
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SCB 渣打銀行 logo
MoneySmart Exclusive
5% rebate｜Waive foreign exchange fee

Standard Chartered Smart Card

Cash back on spending at designated stores of HKTVmall
5%
Cash back on local spend
5%
MoneySmart Exclusive Offer
Up to HK$1,399

[Limited Time Offer] 
Apply for SC Smart Card now via MoneySmart to get extra HK$1,200 Apple Gift Card or HK$1,200 Supermarket Voucher or LG FN7 TONE Free True Wireless Earbuds (retail price: HK$1,399) (colour is randomly distributed)! Total up to HK$2,599 rewards including SCB welcome offer. HKTVmall Offer is Back! Earn 5% CashBack all year round when shopping at HKTVmall! Spend Smart for your trip, waive any foreign exchange fee for foreign currency transaction! You could enjoy up to 12% CashBack to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!



[Referral Program] After applying for the card, get extra HK$300 supermarket vouchers by referring each relatives and friends to apply as well! The more you refer, the more rewards you get!

Valid until 31 Jan 2023 - See more details below
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SCB 渣打銀行 logo
MoneySmart Exclusive

Standard Chartered Cathay Mastercard

Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
60,000 miles

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$600 Klook Gift Card or HK$600 Supermarket Voucher or HK$600 Apple Gift Card! Enjoy up to 60,000 welcome miles! You could enjoy up to 12% Cashback to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!

Valid until 31 Jan 2023 - See more details below
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恒生銀行 logo
Up to 4x Points to spend as cash

Hang Seng enJoy Card

Annual fee
Perpetual annual fee waiver
Cash back on local spend
2%
Welcome Offer
Up to 120,000 yuu Points
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AE 美國運通 logo
Bank Promo
No expiry date for Membership Rewards points

American Express Explorer® Credit Card

Min. Annual Salary
HK$300,000
Miles Conversion (selected online spending)
$3 = 1 mile
Cash back on selected online spending
1.67%
Bank Promo:
Apply for the American Express Explorer Credit Card and get rewards up to HK$800 Statement Credits and 68,000 miles!
Valid until 31 Jan 2023 - See more details below
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安信信貸 logo
MoneySmart Exclusive
Get 6% cash rebate on designated categories

WeWa UnionPay Card

Min. Annual Salary
HK$0
Cash back on overseas spend
0.4%
Cash Rebate on all restaurants in Hong Kong and selected online merchants
6%
Successfully applied through MoneySmart: Extra HK$100 cash rebate + Welcome offer: De'Longhi Espresso Coffee Machine or LG Monitor or HK$500 Cash Rebate or up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program or Tertiary Student: HK$200 Cash Rebate (Exclusive reward will be fulfilled by PrimeCredit)
Valid until 28 Feb 2023 - See more details below
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SCB 渣打銀行 logo
MoneySmart Exclusive

Standard Chartered Cathay Mastercard - Priority Banking

Miles Conversion(Eligible spending on Cathay and HK Express)
HK$2=1 mile
Miles Conversion (Eligible spending on dining, online and overseas category)
HK$4 = 1 mile
Bank Welcome Offer
80,000 miles

[Limited Time Offer]
Apply for Standard Chartered Cathy Mastercard now via MoneySmart to get an extra HK$600 Klook Gift Card or HK$600 Supermarket Voucher or HK$600 Apple Gift Card! Enjoy up to 60,000 welcome miles! You could enjoy up to 12% Cashback to make purchase on MoneySmart Store with using Standard Chartered Credit Cards, first come, first served!

Valid until 31 Jan 2023 - See more details below
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AEON信貸財務(亞洲) logo
Bank Promo

AEON CARD WAKUWAKU

Min. Annual Salary
HK$0
Cash back on online shopping
6%
Cash back on local spending (dinning)
1%
Bank Promo:
Welcome Offer up to 16% Cash Rebate + HK$400 Cash Rebate! 6% Cash Rebate is applicable to any categories of online spending and food delivery all round year! Enjoy 3% Cash Rebate in Japan Spending, waive fee on Foreign Currency Transaction!
Valid until 31 Mar 2023 - See more details below
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DBS 星展銀行 logo

DBS LIVE FRESH

Min. Annual Salary
HK$150,000
Cash back on Online Overseas spend
1%
Cash Back for Online Transaction
6%
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恒生銀行 logo
MoneySmart Exclusive
Get up to 11% cash dollars on designated spending

Hang Seng MPOWER CARD

Annual fee
Perpetual annual fee waiver
Miles Conversion (local spend)
N/A
Cash Dollars rebate on designated categories spending
11%
【Welcome Offer】Successfully apply for MPOWER Card and fulfill designated spending requirement to enjoy up to $700 Cash Dollars / 10 MCL Movie Tickets. You can also open a Preferred Banking account to enjoy USD25 cash rewards+, together with other account opening rewards of up to USD200. Apply Now to enjoy MCL Cinema Online Handling Fee Waiver & Concert Priority Booking!!
Valid until 31 Jan 2023 - See more details below
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安信信貸 logo
MoneySmart Exclusive
Earn 2% cashback from everyday spending

EarnMORE UnionPay Card

Min. Annual Salary
HK$0
Cash back on overseas spend
2%
Cash back on local spend
2%
 Successfully applied through MoneySmart: Extra HK$100 cash rebate + Welcome offer: HK$670 cash rebate (included the extra up to 2% cash rebate) or OTO massage chair or Aurabeat AG+ Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program. (Exclusive reward will be fulfilled by PrimeCredit) 
Valid until 31 Dec 2023 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary
HK$300,000
Miles Conversion (local spend)
$5 = 1 Mile
Cash back on local spend
1％

Successfully apply American Express® Platinum Credit Card now to get extra HK$300 supermarket voucher / Apple Gift Card from MoneySmart & welcome offers valued up to HK$2,960 upon card approval. The total value is up to HK$3,260! 

Valid until 31 Jan 2023 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Unlimited 1.2% Cashback

Blue Cash® Credit Card from American Express

Min. Annual Salary
HK$0
Miles Conversion (local spend)
N/A
Cash back on local spend
1.2%

From now till 31 January 2023, HK$200 Supermarket Voucher upon Card Approval and the limited-time welcome offer of up to HK$1,402! Enjoy 1.2% cash back with no string , cash back credited to account automatically every month with NO administration charge.

Valid until 31 Jan 2023 - See more details below
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DBS 星展銀行 logo

DBS Eminent Visa Platinum Card

Min. Annual Salary
HK$150,000
Miles Conversion (local spend)
N/A
Cash back on local spend
3%
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Mox logo
Bank Promo

Mox Credit

Min. Annual Salary
0
Cash Back on selected Merchants
5%
interest-free repayment period
56 days
Bank Promo:
 From 1 December 2022 to 2 February 2023, open a Mox Account successfully with the Invitation Code "SHOP800"and spend at least HK$1,600 within 45 days with Mox Credit to earn HK$800 Cash Rewards!

From 1 December 2022 to 9 January 2023, open a Mox Account successfully with the Invitation Code “MOX1500” and spend at least HK$2,500 each month for two consecutive months with Mox Credit from the Mox Credit approval date, and you can receive HK$1,500 cash rewards!

From now till 31 Jan 2023, new customers can enjoy up to 5% p.a. on your deposits of up to HK$500,000 throughout your first 60 days once open a Mox Account. Also, from now till 12 Feb 2023, you could enjoy up to 15% Mall Dollars on selected popular products when you spend with Mox Card at HKTVmall. 
Valid until 31 Jan 2023 - See more details below
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AE 美國運通 logo
MoneySmart Exclusive
Enhanced Welcome Offer

The Platinum Card

Local spending cash rebate
0.67%
Miles Conversion (local spend)
$7.5 = 1 Mile
Discount at designated restaurants
50%

Successfully apply The Platinum Card now to get extra HK$1,000 supermarket voucher / Apple Gift Card from MoneySmart & welcome offers and Platinum benefits valued up to HK$6,800 once spending at the first time in the first 3 months. All new Global Dining Credit! Platinum Card members can enjoy up to HK$2,000 annually and up to HK$800 statement credit at NET-A PORTER or MR PORTER. From now until 31 January 2023, you can enjoy extra HK$1,000 once spending the first time in the first 3 months and up to 600,000 Membership Rewards points (which is equivalent to HK$2,000 cash vouchers/ to offset your purchases OR 40,000 air miles).

Valid until 31 Jan 2023 - See more details below
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DBS 星展銀行 logo
Redeem various mileage points without any fee

DBS Black World Mastercard

Min. Annual Salary
HK$240,000
Miles Conversion (local spend)
$6 = 1 Mile
Cash back on local spend
0.8%
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Citibank 花旗銀行 logo
MoneySmart Exclusive
Earn cashback from digital wallets

Citi Cash Back Card

Minimum Income Requirements
HK$120,000
Cash back on local spend
2%
Cash back on overseas spend
2%

Successfully apply now to get extra HK$500 Supermarket Voucher!

Valid until 31 Jan 2023 - See more details below
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Citibank 花旗銀行 logo
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X points
Miles Conversion (local spend)
$3 = 1 Mile

Successfully apply now to get extra HK$500 Supermarket Voucher.

Valid until 31 Jan 2023 - See more details below
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DBS 星展銀行 logo
10% discount at Watsons and ParknShop

DBS COMPASS VISA

Min. Annual Salary
HK$100,000
Miles Conversion (local spend)
N/A
Cash back on local spend
3％
Apply Now
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AE 美國運通 logo
Bank Promo
Uncapped 1% rebate on foreign currencies expenses

American Express Gold Business Card

Annual Fee Waiver in First Year
N/A
Mileage Conversion (Local Spending)
HK$6 = 1 Mile
Local spending cash rebate
0.83%
Bank Promo:
【Welcome offer】Enjoy up to total HK$2,400 welcome offer!  Sign up a AWS Account for their company in Hong Kong to enjoy up to US$550 AWS promotional credit (New Accounts: US$550; Existing Accounts: US$500)
Valid until 31 Dec 2023 - See more details below
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Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Credit Card Welcome Offers in Hong Kong 2023

Credit CardWelcome OffersAnnual Salary Requirement
Citi PremierMiles CardEarn 108,000 points (equals to 9,000 miles) / Afternoon tea set for two persons at Mandarin Oriental, Hong Kong/ HK$800 Wellcome Coupons/ HK$700 Sogo Gift CertificateHK$360,000
Standard Chartered Simply Cash Visa CardUp to HK$1,100 Cash RebateHK$96,000
Earnmore UnionPay CardHK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment ProgramHK$0
Standard Chartered Asia Miles MastercardUp to 40,000 welcome offer Asia Miles （as low as HK$0.2 = 1 mile）and extra HK$100 Cashback for new sign up for Online Banking HK$96,000
DBS Black World Mastercard Up to 50,000 miles or Rollink Flex 21 Foldable Suitcase + 2,000milesHK$240,000
American Express Cathay Pacific Elite Credit CardUp to 76,000 welcome offer Asia MilesHK$300,000
Hang Seng MPOWER CardUp to 8 movie tickets or up to $700 Cash DollarsHK$150,000
Citi Cash Back CardAfternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift CertificateHK$240,000

Which Credit Card has the best welcome offers?

Each credit card offers a special welcome promotion to new customers, whether it’s cash back, air miles or popular gifts like luggage, electronic devices and more, you can easily compare and find the best welcome offers with comparison in MoneySmart.

Types of credit card Welcome rewards

Cashback, air miles, coupons and gifts are the most common welcome offers, compare and select your favourite rewards before applying for a new credit card:

Cashback

Cashback credit cards offer a certain percentage of the spending amount back as rewards. Cardholders can earn extra cash rebates as welcome offers upon successful application and designated spending in the first few months.

Air Miles

Credit cards often provide a tremendous air miles welcome offer to travel lovers. Cardholders can get thousands of air miles, including Asia Miles and Avios, upon designated spending and redeem air tickets for free.

Gifts/Vouchers

Some credit cards provide welcome gifts or supermarket vouchers instead of cashback and airmiles, popular choice of welcome gifts include electronic devices and luggages.

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How to get welcome promotions from credit cards?

Most credit cards require cardholders to spend a designated amount to earn the welcome offers of your choice, take Citi Cash Back Card as an example, cardholders can earn up to HK$800 Wellcome Cash Coupon upon accumulating spending of HK$10,000 or above within the first 2 months.

Some credit cards have no minimum spending requirement, where cardholders can earn welcome offers with a special rate for eligible transactions within the first few months of card issuance, like Standard Chartered Asia Miles Credit Card, cardholders can earn Asia Miles with conversion rate as low as HK$0.2 = 1 Asia Mile.

Best Credit Card Welcome Offer Promotions in Hong Kong

HSBC Credit Card

From now until 31 October 2020, successfully apply for HSBC credit cards through website or internet banking, cardholders can enjoy $700 RewardCash as a welcome gift for new customers or $200 RewardCash for existing customers upon fulfilling designated spending amount.

Citibank Credit Card

From now until 31 July, successfully apply for Citi PremierMiles Card to enjoy up to 9,000 Miles (108,000 Points), Afternoon tea set for two persons at Mandarin Oriental, HK$800 Wellcome Cash Coupon or HK$700 Sogo Gift Certificate. For successful applicants of Citi Prestige Card, get 20,000 miles upon paying the first year annual fee.

DBS Credit Card

Earn up to 50,000 miles or Rollink Flex Suitcase + 2,000 miles for successful application of DBS Black World Mastercard. DBS COMPASS VISA applicants can enjoy up to HK$400 InstaRedeem amount, LE MAURICE Suitcase or 6 MCL movie ticket vouchers.

Standard Chartered Credit Card

Get up to 40,000 welcome Asia Miles for Standard Chartered Asia Miles Mastercard applications, and up to HK$1,100 cash rebate as a welcome offer for new Standard Chartered Simply Cash Visa Card new cardholders.

American Express Credit Card

American Express Cathay Pacific Elite Credit Card applicants can earn welcome offers up to 76,000 Asia Miles. For successful applicants of American Express Platinum Credit Card, enjoy welcome offers worth up to HK$2,960.

Hang Seng Credit Card

New credit card customers who successfully apply for a Hang Seng MPOWER Card can get up to 8 movie tickets from MCL Cinemas or up to $700 Cash Dollars as a welcome offer.

Wewa Credit Card & EarnMore Unionpay Credit Card Offers

Apply for Wewa UnionPay Credit Card for Jabra Elite Active 65t Wireless Headphones, USA meresoy Massage Gun, HK$500 Cash Rebate or Up to HK$90,000 Interest-Free and Handling Fee-Free Cash Instalment Program as welcome gift.

Besides, upon successful application for EarnMore Credit Card on or before 31 Dec, the new customer can enjoy yHK$670 cash rebate, OTO Back Snuggle, Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program as a welcome gift.

Best Credit Card Promotions Hong Kong

HSBC Credit Card Promotions

Travel promotion

  • Up to 10% Cash rebate on designated hotel bookings at Booking.com
  • Up to 60% off designated staycation packages on KKday designated website with discount codes
  • Enjoy a 30% discount on cross border limousine service

    • Dining Promotion

  • 10% off buffet at designated hotels including Royal Park Hotel, Regal Hongkong Hotel and more

    • Citibank Credit Card Promotion

    Travel promotion

  • Up to 12% off on designated hotel bookings at Expedia
  • Up to 10% cashback on Booking.com
  • 10% off selected Delsey products

    • Dining promotion

  • Complimentary drink upgrade at McCafe
  • 15% off on food and beverages at selected hotel including Conrad Hong Kong, Crowne Plaza and more

    • DBS Credit Card Promotion

    Travel promotion

  • 5% off on travel products at KLOOK
  • Up to 12% off hotel booking at Agoda
  • 5% off any inflight purchases & designated seat selection at HK Express

    • Shopping promotion

  • Up to 3% rebate at Taobao and Tmall
  • Up to 20% at ZALORA

    • Frequently Asked Questions

    Can I get my credit card welcome offer right after my application?

    It depends. After applying for credit cards, you need to fulfill the spending requirements to get welcome offers. Take HSBC Red Card as an example, you’ll need to spend $6,000+ in the first 60 days of card issuance, and use RewardCash to pay for credit card statement or transaction via the “Pay with RC” function in Reward+ to get $1,000 RewardCash welcome offer. Credit cards set limits to not only spending amounts but also spending categories. For example, HSBC credit cards don’t count online bill payments and e-wallet transactions as eligible spending. Make sure you’ve read the Terms and Conditions before swiping your credit cards! But there are some credit cards that give you welcome gifts once your application is approved. Standard Chartered Simply Cash Visa Card gives you 25% cashback for local spending in the first 2 months and up to $1,000 cashback without spending requirements.

    Are welcome offers for new customers only?

    Generally, yes. Most of the credit cards only prepare welcome offers for new customers, which means that you haven’t held or cancelled credit cards of your designated bank in the past 6-12 months. But some credit cards still give welcome offers to existing customers, but the value of the offer is lower than the new customers. HSBC Visa Signature Card is a good example: they offer up to $800 welcome gifts to new customers, but $400 welcome gifts for existing customers.

    Is there anything I need to know while applying for welcome offer credit cards?

    After getting your welcome offer, most of the banks reserve the right to charge you a handling fee and take back your welcome offer without any notice if you cancel their credit cards in 12 months of card issuance.

    When will I receive my welcome offer?

    If you fulfil the spending requirement, like BOC credit cards, they’ll credit the welcome offer directly to your credit card account in 4 to 6 weeks. But make sure your account is working, valid and under a good credit. For other banks, they have their own policies so it’s better for you to check the Terms and Conditions.

    Do I need to consider anything else apart from welcome offers?

    Yes! Welcome offers are attractive, but it’s still a one-time reward. The basic rebate rate after the introductory period should be one of your considerations. Besides that, you should find out your spending pattern. Say, dining is your main expenses, then you should pick a credit card with the most dining offers. Plus, get to know why you’re applying for a credit card, then pinpoint your expenses to get the most offers like cash back and air miles.

    Can I cancel my credit card after receiving the welcome offers?

    It varies from card to card. In general, if a cardholder cancels the card in less than 12 months from the date the card is issued, a fee which is equivalent to the value of the welcome offers/ administration fee will be charged.